Born and raised in North Devon I have a working lifetime in financial services starting with Lloyds TSB in North Devon and Somerset, managing branches of Britannia Building Society and Bristol & West Building Society in Somerset and Bristol, before concentrating on financial planning.
After working with Lyn Financial Services for eighteen years I joined Duchy IFA in January 2019.
I am here to help you arrange your life’s financial events.
Talk to me:
to make sure that your family has enough to live on when you die, or should you suffer a critical illness or long term illness.
when you want to buy your next home.
to make your money earn more than it can in a high street savings account.
to make sure you have enough money to live on when you decide to stop work.
if you are 55 or over and property rich, but cash poor or income poor.
if you need to go into residential accommodation and need to ensure that you can cover your costs
to ensure that your family inherit more of your money, and that the tax man inherits less of your money.
Since April 2015 'Pensions Freedom’ has opened a Pandora’s Box of choices that are available to you when you decide to stop work. I will advise you on your retirement options: should you have a guaranteed income for life, or should you consider something more flexible?
Whether you are looking to grow the value of your capital, or enjoy an income to supplement your earnings or pensions, I will help you find the best solution and the most tax efficient options.
Do you want to make sure that you leave as much as possible to your family and as little as possible to the Tax Man. I can offer you a range of options, some of which do not involve the loss of access to your own money.
If you need an income to supplement your pensions, or you need to raise capital, I will explain how you can use your home without the risk of losing your most valuable asset.
Would you like to make sure that when you die, or if you are diagnosed with a critical illness or a long term illness, that your family has enough money to maintain a comfortable lifestyle? I can show you how.
Are you moving home? Is your mortgage more expensive than it needs to be? Are you considering buying an investment property? I can help you find the right mortgage.
If you are concerned about having sufficient money to live on when you decide to stop work, I can advise you on the most effective way of putting money aside for the longest holiday of your life.
What a find! An IFA of impeccable character and total commitment to his clients. I was introduced to Martin by my son-in-law for advice about a new home, I do not have a moments regret in using Martin then and I continue to use him today. Martin delivers what I want, when I need it, his advice and support in an ever changing financial climate is excellent.
I thoroughly recommend him to anyone wishing to secure their financial future with a true professional.
Martin has helped invest money from the down sizing of my Mum's home, achieving an amazing return, especially in light of the current markets. We will be using his services again this financial year. I can highly recommend Martin for all your financial service needs.
Martin helped me access some money I had in a pension fund. He was very sympathetic to my situation and made me feel at ease even though time was of the essence. He described carefully what we needed to do and kept the financial jargon to a minimum.
Not only was he able to draw the money I needed, he also sourced a more suitable pension provider. AND my funds were tax free!
Happy days! Cheers Martin!
Martin has been providing us with excellent financial advice for many years.
Originally this was a review of our existing financial arrangements and investments, resulting our finances being in much more balanced state. Then a few years’ ago Martin provided us with advice on investing funds from Janet’s mother’s estate, investments which have proved to be very successful. Last year we both took early retirement, necessitating a complete change to our finances, and Martin has helped us convert some of our investments and pension lump sums to provide income.
We meet up with Martin safe in the knowledge that he will have thoroughly researched potential financial products suitable for our needs and all will be explained in a clear and straightforward way.
The products he has suggested have never failed to be sound and produce a good return, with some doing exceptionally well particularly in the current financial climate.
In short, we have no hesitation whatsoever in recommending Martin as an Independent Financial Adviser; he’s a very nice chap and knows his stuff!